【房贷利率】4月13日星期四


奇虎贷款-100436  04/13   6155  
4.0/1 

注: 奇虎贷款能提供以下身份的贷款:

(1) 学生仍在OPT期间,使用EAD卡工作,还没有H1B,利率与公民无异;

(2) F1 OPT/EAD 的jumbo loan(比如没有抽到H1B用EAD卡工作);

(3) J1/J2签证,利率与公民无异;
(4) H1B, O-1, L-1 Visa
Jumbo loan;
(5) 
纯外国人贷款

SUMMARY:今天(4月13日 星期四)开盘时的房贷利率价格和上个工作日相比变好。目前
重新贷款40万左右的利率,30年固定利率保持在3.950%,15年固定利率保持在3.250%,
5/1 ARM利率下降至3.125%。购房贷款40万左右,30年固定利率下降至3.750%,15年固定
利率下降至3.000%,5/1 ARM利率保持在3.000%.

:除非特别说明,以下列出的利率都是基于本帖底部的贷款参数,并且是带impound 
account的利率。

************* CALIFORNIA ***************
(Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $750K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9503.2503.6253.0003.1253.375
>$424K4.1253.2503.8753.2503.6253.750
Jumbo4.1253.6254.375------3.5003.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.7503.2503.6253.625
>$424K4.2503.7504.250------3.6253.750
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.5002.8753.0003.250
APR3.8063.0983.5622.9653.0343.274
>$424K4.0003.2503.7503.0003.2503.500
APR4.0103.2393.7943.1133.2953.528
Jumbo4.0003.5004.250------3.2503.375
APR4.0343.5454.272------3.2903.408
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.9503.3753.6253.875
APR4.1823.5443.9893.4923.6573.907
************* MARYLAND ***************
(Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9503.2503.6253.0003.1253.375
>$424K4.1253.7504.375------3.5003.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.7503.2503.5003.625
>$424K4.1253.8754.375------3.6253.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.5002.8753.0003.250
APR3.7773.0483.5202.8793.0063.247
>$424K4.0003.6254.250------3.2503.375
APR4.0103.6064.237------3.2663.384
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.9503.3753.6253.875
APR4.1533.4943.9463.4193.6283.878
************ VIRGINIA **************
(Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9503.2503.7503.1253.2503.500
>$424K4.3754.0004.500------3.6253.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.3753.7503.2503.7503.750
>$424K4.3754.1254.500------3.7503.750
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.5002.8753.0003.250
APR3.7713.0543.5172.8893.0103.250
>$424K4.0003.6254.250------3.2503.375
APR4.0123.6114.241------3.2693.386
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.8753.3753.6253.875
APR4.1463.5003.9133.4283.6323.882
*********** TEXAS *************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.7503.2503.6253.625
>$424K4.3754.0004.500------3.6253.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.8753.5004.8754.500
>$424K4.3754.1254.500------3.7503.750
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.5002.8753.0003.250
APR3.7753.0633.5472.9103.0343.268
>$424K4.0003.6254.250------3.2503.375
APR4.0083.6074.241------3.2653.382
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.3753.9503.3753.6253.875
APR4.1513.4753.9743.4403.6723.923
*********** FLORIDA ************
(Based on Conforming Loan $200K, High-Balance Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.3753.9503.3754.8754.500
>$424K4.5004.5004.750------4.0004.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.5003.9503.500------------
>$424K4.6254.5004.750------4.1254.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.5002.8753.0003.250
APR3.7843.0783.5462.9613.0333.273
>$424K4.0003.6254.250------3.2503.375
APR4.0133.6114.241------3.2693.387
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.9503.3753.6253.875
APR4.1603.5243.9983.4633.6733.924
************ GEORGIA *************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.3753.8753.2503.7503.750
>$424K4.3754.0004.500------3.7503.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.9503.3754.0004.000
>$424K4.5004.2504.500------3.8753.875
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.5002.8753.0003.250
APR3.7993.1043.5852.9853.0473.288
>$424K4.0003.6254.250------3.2503.375
APR4.0183.6224.249------3.2753.392
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.9503.3753.6253.875
APR4.1753.5514.0133.5013.6873.938
*********** WASHINGTON *************
(Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $750K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.2503.6253.0003.1253.375
>$424K4.1253.7504.375------3.5003.625
Jumbo4.1253.6254.250------3.3753.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.7503.2503.5003.625
>$424K4.1253.8754.375------3.6253.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.5002.8753.0003.250
APR3.7773.0473.5112.8703.0063.246
>$424K4.0003.6254.250------3.2503.375
APR4.0093.6054.237------3.2663.383
Jumbo4.0003.5004.250------3.2503.375
APR3.9843.4934.231------3.2413.359
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.8753.3753.6253.875
APR4.1523.4933.9073.4173.6283.878

Please note that the rates are subject to mid-day changes. This is 

especially true when stock and bond markets move radically during the day.

Rates above are based on the following assumptions:

1. Loan Amount: See detailed loan amounts under the State name above;
2. Loan-To-Value (LTV):  
    - <=75% for Primary Residence Conforming Refinance & Purchase;
    - <=70% for Primary Residence Conforming Cash-Out Refinance;
    - <=75% for Primary Residence Super-Conforming Refinance and Purchase (
except for 7/1 ARM which is <=70%);
    - <=65% for Primary Residence Super-Conforming Cash-Out Refinance;
    - <=75% for Investment Property Conforming Purchase;
    - <=65% for Jumbo Refi & Purchase.
3. Primary Residence (except specified);
4. Single Family Residence;
5. Credit score>=740;
6. With Impound/Escrow Account;
7. 30-day lock;
8. US Citizen or Permanent Resident (Sorry, this is a requirement by the 
lender from which the above rates are based)

For Refinance, rates are based on No Point No Fee. So APR for Refinance = 
Refinance Rate.

注:以上凡是没有表明利率的loan program,意味着该program做不了no point的贷款
,需要收point才能做。


奇虎贷款目前能做CA、GA、FL, MD, TX, VA和WA等7个州的房屋贷款,欢迎查询:


Northern California:

1525 McCarthy Blvd, Ste 1084

Milpitas, CA 95035

Phone: (408) 883-8283
Fax: (877) 442-7883
arli@tigerloans.com


Southern California:
780 Roosevelt, Ste 120
Irvine, CA 92620
Phone: (949) 829-3863
Fax: (877) 442-7883

apply@tigerloans.com


Texas:

2775 Villa Creek Road, Ste 124

Dallas, TX 75234

Phone: (866) 269-9847

Fax: (877) 442-7883